Digital MGAs in 2025: Easy AI & Automation Explained

Digital MGAs are companies that use technology to sell and manage insurance without owning the policies themselves.

They work by partnering with traditional insurers but handle most tasks like quoting, underwriting, and claims through digital tools. This setup helps insurance products reach customers faster and often at lower costs. Digital MGAs fit into the insurance world by making the process smoother, more flexible, and easier to scale using software.

Here are some ways digital MGAs operate:

• Use online platforms for customers to get quotes and buy policies instantly

• Apply AI and data analytics to underwrite risks more accurately

• Manage claims quickly using automated workflows

• Personalize insurance offers based on customer data

For advanced understanding, digital MGAs integrate artificial intelligence and automation deeply into their operations. These technologies help them reduce manual tasks and improve accuracy.

For example, AI can evaluate risks by analyzing vast datasets faster than humans. Automation tools streamline communication and claims processing, often through chatbots or automated phone calls.

One practical example is connecting your digital MGA organically with Strada's voice AI. Strada uses AI-driven phone agents to automate calls, follow-ups, and agent engagement. This integration helps digital MGAs handle customer interactions efficiently and without extra manual effort. It ensures customers get timely responses while freeing up human agents to focus on complex tasks.

In summary, digital MGAs leverage technology to make insurance more accessible and efficient by combining advanced tools like AI with streamlined workflows. Their ability to work organically with platforms like Strada highlights the growing role of automation in the insurance industry.